Annual Expenses
Big, irregular costs are what catch households out — not the weekly bills.
Set aside weekly for annual expenses
$88.44/wk
This is already included in your recommended bills transfer and safe-to-spend figure.
ChristmasAhead of schedule
Due 20 December · $1,200 target · $920 saved (projected today)
Putting in $80.00 every fortnight ($40.00/wk) · $200 to start on 1 June 2026, plus 18 weeks since
School expensesNeeds a bit more
Due 28 January 2027 · $900 target · $462 saved (projected today)
Putting in $23.44 every week · $150 to start on 22 June 2026, plus 15 weeks since, plus -$40.00 in top-ups and withdrawals
Uniforms, books, camp
Car servicingNeeds a bit more
Due March 2027 · $450 target · $45 saved (projected today)
Putting in $5.00 every week · $0 to start on 3 Aug 2026, plus 9 weeks since
Birthdays & giftsKeeping up
Year-round · about $1,040 a year · $445 available now
Putting in $20.00 every week · $180 to start on 18 May 2026, plus 20 weeks since, plus -$135.00 in top-ups and withdrawals
At the rate you expect to spend, that balance covers about 22 weeks.
Birthdays through the year, plus Mother's and Father's Day
A dated expense is due at a particular time — rego, insurance, rates. A year-round fund is money you keep topped up and draw on whenever it's needed, like gifts or medical costs.